Dwolla has launched a website called dollarthoughts.com where users can submit their thoughts in exchange for $1, built using Ruby On Rails with Twilio APIs, allowing the company to efficiently manage SMS messaging and notifications. The site relies on community voting to determine the most insightful thoughts, and Dwolla's financial transaction solution provides affordable payment processing fees, with transactions over $10 charging 25 cents and those under $10 being free. Additionally, Dwolla has released a new product called "Instant" that lets users borrow up to $500 through its mobile app, turning their phone into an ATM.